Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed. [ 15 U.S.C. 1681 et seq
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Cardholder closed account in XXXX. In XXXX, cardholder was notified of an outstanding bill comprised of charges post account closure. Cardholder repeatedly requested an itemized bill be mailed to verify charges and that never happened. It took four months to identify the charges that were approved by GS Apple Card after cardholder canceled the account. Cardholder ultimately paid the outstanding bill that was comprised of unauthorized charges because account was closed. Cardholder did not approve charges nor thought there would be charges on a closed account. No other established credit card company would authorize charges on a closed account ; rather they would assist the cardholder/customer on the issue. Further, Goldman Sachs/Apple Card has made it a priority to damage this cardholders otherwise exemplary credit.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I wanted to transfer {$4000.00} from my XXXX Goldman Sachs account on XX/XX/XXXX to the XXXX bank the money came from so I could pay for things. The bank put a hold on my account and didn't tell me about it until I logged back in after 5 days had passed. I called the bank on XX/XX/XXXX to see what I could do, but they didn't really help with it the first time because I called outside of business hours, even though it says 24/7 assistance. I called the next day, XX/XX/XXXX, to see if they could help. They helped, but they said that my phone number on file couldn't get a verification text. I have never had a problem with any bank where they couldn't get a verification code from my phone. After that they said they would seen me an Affidavit to sign and notarizes so they can prove it is my account so I can access the account. I called back after that intrusion to see how long it would take to get this in the mail, and they said 710 days, which is too long because I have payments due soon for XXXX.I asked to speak to a supervisor to see if they could do anything, and they said they didn't have any on duty and said to call back in 2-3 days to see if they had pressed my request to have it mailed to me faster.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I am writing to express my deep frustration and disappointment with the lack of action taken by Apple Card/GS Bank USA regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns. I discovered an unauthorized credit card account under my name with Apple Card/GS Bank USA XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being. As soon as I became aware of this fraudulent activity, I immediately contacted Apple Card/GS Bank USA 's customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation. Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, Apple Card/GS Bank USA has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter. I am appalled by the lack of urgency and concern displayed by Apple Card/GS Bank USA in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm. I demand that Apple Card/GS Bank USA promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident. Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation. I trust that Apple Card/GS Bank USA will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the apple credit card from Goldman Sachs. XXXX has disabled my account from receding XXXX XXXX rewards and has also disabled being able to receive and send XXXX XXXX, When I call to ask them why they tell me its against company policy to tell my why. Im not even receiving XXXX XXXX rewards anymore, I used to at least still receive it and was able to use it to pay off the apple card, now I cant even do that!
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The bank closed my savings account without notice and still accepted direct deposits to the account after denying me access to view balances online. I've called multiple times and was told a check was mailed for the funds in the account at the end of XXXX. I mailed a letter to the bank requesting funds be mailed again in early XXXX and have not received any responses.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Apple Card app makes it very difficult to make payment form different accounts. After successfully adding an account and paying off my card, the card now says restricted, and no further information is given. Apple savings also says restricted with no information.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Apple credit card and savings account were frozen on XXXX XXXX XXXX. I have been unable to access my funds since then. Ive repeatedly contacted Apple for support. But they refuse to tell me why my account is frozen, or when the issue will be resolved.
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter in 2018 from Greensky XXXX XXXX ) their address is : XXXX XXXX XXXX XXXX, GA XXXX the letter stated I have a Loan approved for XXXX to make purchases for improvements/ constructions, this was a result of theft identity. One week later I received the same letter with my daughter 's name ( XXXX XXXX ) for the same amount {$65000.00} loan approved by Greensky XXXX XXXX The bank was informed of this theft identity via phone, via mail and via email but they ignored me. The money was used by a criminal organization that used to get loans from victims like me and my daughter under the excuse of a solar systems project and construction. The criminal organization never performed any constructions at my premise. The criminals used this money on my behalf and my daughter 's. I let Greensky knows that I reported to police and there was a court case processing again this persons/criminals. there were around XXXX families around my neigboor with the same situation. For more than 6 years me and my daughter 's credit has being damaged and no other financial institutions trusted usto approve any loan or credit card due to this debt collections for more than 6 years We had this problem going on. We never requested this loan, Greensky released the money to criminal persons and they were informed that my identity was stolen ( I mailed letters couple times and I emailed them to XXXX ). The bank received notification from me and reports from police, court records and never help me to clear this matter. The case is open in XXXX XXXX XXXX and I provided Greensky with the police report, But they never removed the debt under my name and keep contacting me to pay for the debt. Every day debts calls to us 24/7 I keep repeating myself about the theft identity issue an I asked Greensky no to charge my bank account account, but Greensky XXXX processed payments from my bank account. This a chain of criminals taking advantage from people like me and my daughter. I found about XXXX families with the same situation around my neighbors I got XXXX and XXXX due to the actions and the treat calls I received every day from Greensky XXXX XXXX I can provided proof of this information but to a private email from consumer affair I do not want to release private documents with my information on it. my email is XXXX XXXX
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/23 I deposited {$5000.00} USD into my Apple XXXX savings and all appeared to be fine. Today, XX/XX/23, I wake up to a notification advising that my account has been restricted and to contact support for further assistance. At approx XXXX, I spoke to an Apple Agent ( via text ) regarding my account and was advised that the account was restricted due to missing information ( that I was never asked for prior ) I provide said details to the agent and was told a REQUEST to unrestricted my account would be made and it could take up to 4 business hours to resolve. This is beyond infuriating and quite common as of late. There are hundreds of Apple XXXX clients who are in the same position as myself, but with much larger amounts stuck in limbowhich is why I was reluctant to place all of my money within this institution. Something needs to be done about this! Restricting ones funds with little to no explanation is plain wrong. I am now at the mercy of Apple HOPING to have access to MY money within a reasonable timeframe. XXXX XXXX should be ashamed of themselves.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A